Commercial Lender

Union State Bank•Edmond, OK

21h•Onsite

About The Position

The Commercial Lender seeks potential individual and business clients in need of commercial, real estate, and consumer loans. The role analyzes borrowing needs, verifies applications to assess creditworthiness, and maintains a loan portfolio that meets customer requirements and is profitable for the Bank. The lender also refers new deposit and treasury relationships and uses proactive sales techniques to attract customers. The position works with current and prospective clients to understand their objectives and develop appropriate lending strategies. It evaluates credit risk, structures loans within the Bank’s lending limits and policies, oversees portfolio growth and delinquency, and provides responsive service to internal and external customers. The lender participates in business development and community service, serves on loan and other committees as assigned, monitors collateral and exceptions, prepares credit memorandums and correspondence, and stays current on lending regulations. Work is performed in an office environment, with travel to other locations required. The role uses Fiserv Precision, Microsoft Office Suite, and standard office equipment. It reports to the Market President. Union State Bank is an equal opportunity employer.

Requirements

High school diploma or equivalent required.
Knowledge of finance, accounting, and economics acquired through college-level study and continuing education in a related field, or equivalent work experience.
Thorough knowledge of credit analysis and lending practices.
Understanding of laws, rules, and regulations affecting the banking and lending industry, typically acquired through 5 to 10 years of experience in banking or a related field.
Valid driver’s license required.
Knowledge of finance and accounting principles necessary to provide lending services.
Ability to communicate effectively with internal and external contacts.
Background in customer service and sales.
Ability to meet deadlines and identify and resolve problems.
Basic computer skills, including proficiency in Microsoft Office programs.
Ability to work with all levels within the organization.
Strong people skills; detail-oriented, organized, and able to handle multiple tasks.
Ability to handle confidential information and positively represent the company.

Nice To Haves

College degree.
Advanced banking education.

Responsibilities

Interview current and prospective clients and analyze their financial information to help determine strategies for meeting their objectives.
Actively participate in the Bank’s Business Development Program.
Evaluate credit risk for commercial and consumer loan applications and develop appropriate loan structures within the Bank’s lending limits and consistent with its loan policies and procedures.
Manage and oversee a loan portfolio to maintain growth and monitor delinquency in accordance with Bank guidelines.
Maintain a high level of customer service through proactive communication with internal and external customers.
Participate in community service, with an emphasis on serving disadvantaged segments of the market.
Service existing loan customers and review documentation for compliance with Bank policies and procedures.
Refer new deposit and treasury relationships and direct clients to appropriate personnel for assistance.
Sell additional Bank services to existing and prospective clients.
Prepare correspondence for credit approval and credit memorandums for loan proposals.
Serve on Internal Loan Committees and other committees as assigned.
Monitor collateral and exceptions for the officer portfolio.
Keep up to date with lending regulations and recommend changes that may affect credit decisions.
Perform other duties as required or assigned.